BlastPoint's Credit Union Scorecard

SAN FRANCISCO

Charter #24542 · CA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 39 in CA

View Mid-Market leaderboard →

SAN FRANCISCO has 8 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 3.9% in tier
+ Wallet Share Momentum: Top 3.9% in tier
+ Emerging Performer: Top 43.9% in tier
+ Organic Growth Engine: Top 56.3% in tier
+ Organic Growth Leader: Top 56.3% in tier
+ Loan Growth Rate: Top 2.0% in tier
+ AMR Growth Rate: Top 3.3% in tier
+ Asset Growth Rate: Top 4.6% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 7.9% in tier
- Margin Compression: Bottom 43.9% in tier
- Efficiency ratio 3.67% above tier (higher cost structure)
- Fee Income Per Member: Bottom 3.6% in tier
- First Mortgage Concentration (%): Bottom 8.5% in tier
- Total Members: Bottom 8.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	51,908 +1.6% YoY+0.5% QoQ	-44.1K	96,048 -2.7% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Bottom 8.2% in tier
Assets	$1.6B +19.3% YoY+9.3% QoQ	$-137.6M	$1.7B +0.4% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	53%
Loans	$777.4M +40.7% YoY+9.3% QoQ	$-436.3M	$1.2B +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	Bottom 14.1% in tier
Deposits	$1.2B +6.3% YoY+8.4% QoQ	$-271.0M	$1.5B +0.5% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	41%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% -16.7% YoY-34.8% QoQ	+0.0%	0.7% +27.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	58%
NIM	3.2% -4.2% YoY-3.7% QoQ	-0.2%	3.4% +6.2% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	35%
Efficiency Ratio	78.3% +8.1% YoY+15.9% QoQ	+3.7%	74.6% -3.0% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	64%
Delinquency Rate	0.1% -27.2% YoY-13.9% QoQ	-0.6	0.8% +6.9% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	Top 4.6% in tier
Loan To Share	65.1% +32.3% YoY+0.8% QoQ	-18.1%	83.2% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	Bottom 13.1% in tier
AMR	$37,989 +15.8% YoY+8.2% QoQ	+$8K	$29,652 +2.3% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Top 11.8% in tier
CD Concentration	12.6% -13.8% YoY-5.8% QoQ	-16.2%	28.8%	21.6%	19.8%	Bottom 4.2% in tier
Indirect Auto %	1.3% -19.2% YoY-14.9% QoQ	-16.8%	18.1%	9.0%	7.7%	19%

Signature Analysis

Strengths (5)

Relationship Depth Leader

growth

#8 of 64 • Top 3.9% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 15.78%

(Tier: 3.34%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.3K

(Tier: $3.3K, National: $2.1K)

better than tier avg

64 of 384 Mid-Market CUs have this signature | 342 nationally

↑ Growing +9 CUs YoY

Wallet Share Momentum

growth

#15 of 125 • Top 3.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 15.78%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | Rank improving

Organic Growth Engine

growth

#89 of 115 • Top 56.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.61%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.75%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 1.29%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Organic Growth Leader

growth

#94 of 116 • Top 56.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.61%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 1.29%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Emerging Performer

growth

#68 of 79 • Top 43.9% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.75%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 1.61%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (2)

Margin Compression

decline

#21 of 24 • Bottom 43.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.75%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 0.90%

(Tier: 0.58%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.15% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

24 of 384 Mid-Market CUs have this signature | 162 nationally

→ No prior data (24 CUs now) | New qualifier

Cost Spiral

risk

#10 of 11 • Bottom 7.9% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.88% points

(Tier: -2.46% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 55.81%

(Tier: 53.09%, National: 64.04%)

worse than tier avg

11 of 384 Mid-Market CUs have this signature | 96 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 306 peers in tier

Top Strengths (9 metrics)

Loan Growth Rate

growth

Value: 40.69%

Peer Median: 5.67%

#7 of 306 Top 2.0% in 1B-3B tier

AMR Growth Rate

growth

Value: 15.78%

Peer Median: 3.15%

#11 of 306 Top 3.3% in 1B-3B tier

Asset Growth Rate

growth

Value: 19.33%

Peer Median: 4.82%

#15 of 306 Top 4.6% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.15%

Peer Median: 0.63%

#15 of 306 Top 4.6% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 12.62%

Peer Median: 27.93%

#15 of 306 Top 4.6% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $37,989

Peer Median: $28,178

#36 of 306 Top 11.4% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 443.658

Peer Median: 345.077

#46 of 306 Top 14.7% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.21%

Peer Median: 0.51%

#48 of 306 Top 15.4% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 1.29%

Peer Median: 13.86%

#64 of 306 Top 20.6% in 1B-3B tier

Top Weaknesses (5 metrics)

296

Fee Income Per Member

profitability

Value: $76.77

Peer Median: $191.54

#296 of 306 Bottom 3.6% in 1B-3B tier

281

First Mortgage Concentration (%)

balance_sheet

Value: 55.36%

Peer Median: 33.05%

#281 of 306 Bottom 8.5% in 1B-3B tier

281

Total Members

engagement

Value: 51,908

Peer Median: 85,918

#281 of 306 Bottom 8.5% in 1B-3B tier

266

Loan-to-Share Ratio

balance_sheet

Value: 65.08%

Peer Median: 85.31%

#266 of 306 Bottom 13.4% in 1B-3B tier

263

Total Loans

balance_sheet

Value: $777.42M

Peer Median: $1.11B

#263 of 306 Bottom 14.4% in 1B-3B tier